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Low Rates

From 7.50% p.a (9.51% p.a. comparison rate*)

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No Ongoing Fees

No monthly or early repayment fees

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100% Online

Apply on your smartphone or computer... Easy!

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Super Quick

Get a personalised rate in as little as 1 minute

Don't just take our word for it

nikz
Reviewed on May 21, 2019
More people need to know about this!!

The easiest loan I’ve ever had!! The best customer service, very quick reply!! Always happy to help!! I know where I’ll be getting my next loan from if needed! Thank you!

Melissa
Reviewed on May 9, 2019
Perfect you can't go wrong

Best Customer Service. Everything explained into details so you know exactly what to expect while waiting for approval answer. Regular phone calls with updates.Simply you can't go wrong with SocietyOne.

Vvere
Reviewed on Mar 23, 2019
Good.

Very easy and fast approved. Interest rates are a bit high though. Was very surprised at how fast they approved it. Filled out one form and then got confirmation a few days later.

Belinda C
Reviewed on May 20, 2019
No Stress

Very easy no stress , no problems with anything just the way it should be , the broker i went through was lovely she put me onto them and it was so quick,

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Check out our rates

SocietyOne Loan Grades
Interest Rate % p.a. (2-3 years)
Interest Rate % p.a. (5 years)
Establishment Fee
Comparison Rate % p.a. (2-3 years)²
Comparison Rate % p.a. (5 years)³
Tier 1
Interest Rate % p.a. (2-3 years)
7.50% – 9.99%
Interest Rate % p.a. (5 years)
8.40% – 10.89%
Establishment Fee
3.00% – 4.00%
Comparison Rate % p.a. (2-3 years)²
9.51% – 12.71%
Comparison Rate % p.a. (5 years)³
10.12% – 12.61%
Tier 2
Interest Rate % p.a. (2-3 years)
10.49% – 11.49%
Interest Rate % p.a. (5 years)
11.69% – 12.69%
Establishment Fee
4.25%
Comparison Rate % p.a. (2-3 years)²
13.38% – 14.40%
Comparison Rate % p.a. (5 years)³
13.53% – 14.55%
Tier 3
Interest Rate % p.a. (2-3 years)
12.29% – 13.79%
Interest Rate % p.a. (5 years)
13.79% – 15.29%
Establishment Fee
4.50%
Comparison Rate % p.a. (2-3 years)²
15.38% – 16.91%
Comparison Rate % p.a. (5 years)³
15.78% – 17.31%
Tier 4
Interest Rate % p.a. (2-3 years)
14.99% – 17.99%
Interest Rate % p.a. (5 years)
17.49% – 20.49%
Establishment Fee
5.00%
Comparison Rate % p.a. (2-3 years)²
18.48% – 21.54%
Comparison Rate % p.a. (5 years)³
19.78% – 22.38%

Example based on a SocietyOne Tier 1 loan for $10,000 with a 3 year term.

Comparison Rate: 9.51%* + Monthly Repayment: $320.39 = Total Repayments: $11,534.20 (36 x $320.39)

Find out what your repayments could be with our repayment calculator.

The establishment fee is added to your loan; the amount is based on your SocietyOne loan grade and the loan amount. A $35 fee applies if you need to vary your loan.2 Based on a $10,000 unsecured personal loan for a 3 year term. 3 Based on a $30,000 unsecured personal loan for a 5 year term.

*SocietyOne rate is based on an unsecured personal loan of $10,000 over 3 years to a borrower with excellent credit (Tier 1 borrower). Tier 1 borrowers will receive an interest rate between 7.50% - 9.99% p.a. (comparison rate 9.51% - 12.71% p.a.) depending on investor demand. Higher Tier borrowers will receive higher interest rates. WARNING: The comparison rates are true only for the examples provided and may not include all fees and charges. Different terms, fees or loan amounts might result in a different comparison rate. Establishment fee applies.

See how much you could save with our repayment calculator

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Frequently Asked Questions

+Am I eligible to get a loan?

You are eligible for a SocietyOne personal loan if you:

  • Be at least 21 yrs old
  • Earn more than $30,000 p.a. from employment (Centrelink may be used as supplementary income)
  • Be an Australian citizen or permanent resident
  • Have good credit history
  • Be using the loan mainly for personal use
+How do I make repayments?

Repayments can be made in either fortnightly or monthly instalments, by direct debit.

If you wish to make extra payments, please contact our customer service team on customer.service@societyone.com.au. There are no fees or penalties for making extra payments or paying off your loan early.

If you are experiencing financial hardship and are having difficulty repaying your loan please contact customer service on customer.service@societyone.com.au.

+Can I repay my loan early? Can I make extra repayments?

Yes, absolutely. SocietyOne encourages responsible borrowing and provides repayment flexibility. You can either pay out your loan early or make lump sum payments during the life of your loan with no extra fees or penalty. If you wish to pay off your loan completely then please contact us at customer.service@societyone.com.au so that we can give you an accurate settlement quote.

+Are there any other fees and charges?

We charge a one-off establishment fee. This is included in your total loan amount. There are no monthly fees or early repayment fees. So you have the security of a fixed rate loan, with the flexibility to pay it off early.

Resources

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What responsible lending actually means for you

"Responsible lending" is a concept in the finance industry, ensuring lenders only offer you a loan if it suits your needs and circumstances.

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Personal loans, explained

Consumer finance covers a multitude of different types of loans and products, so we thought we’d put together everything you may need to know to help you make your choice and make it happen for you.

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